, they paid off a lot of debt. lastly, there's money on the sidelines to come in. that could fuel a rally. of course, there are cons because it's not always good news. the first one is, and i think you have to be concerned with this, the outlook for the u.s. fiscal picture. that could be a problem, especially going into march or february when we have the debate in washington. that could be a problem. also, profit growth. while it's up, the rate of growth is slowing a bit. and to some professionals, that's a concern. >> those are things to look at. for a lot of people, they pulled back because they were concerned about their future and their retirement savings in many cases. >> as they should be. >> looking at this, based on your age, how does that factor in to whether or not you should invest and how involved you should be? >> well, a general rule of thumb is the younger you are, the more money you have in stocks. what you should always have is a diversified portfolio. you should always have money in stocks, bonds, maybe commodities like gold, a smaller percentage, 5% to 10% at the most.